
Without filing bankruptcy or taking on more predatory debt, House Bills give you new leverage against MCA lenders. Learn how this law can reduce your payments, protect your cash flow, and keep your business alive.


Daily / weekly withdrawals
Ballooning balances
UCC liens freezing accounts
Hidden fees & aggressive collections


Daily ACH withdrawals bleed your cash flow dry faster than you can make sales. Most business owners think they’re just “riding it out” — but the truth? That $50K advance has already snowballed into $87K.
This guide shows how owners stop the drain, freeze collections, and buy back breathing room.

Here’s the truth MCA lenders don’t want you to know: they’re counting on you not knowing your rights. This guide opens up the same legal pressure points that top businesses use to cut massive MCA debts — sometimes by 40%, 60%, even 80% — without bankruptcy. You don’t need millions. You just need the right moves.

Stacked MCAs are the lenders’ jackpot… and your nightmare. While you juggle 3–5 advances at once, they’re multiplying interest and fees at rates that’d make loan sharks blush — sometimes 820% APR. We’ll show how business owners flip the script, slash stacked payments, and finally get lenders off their back.

Getting out of MCA hell isn’t complicated. In fact, most of the work is just sending one strategic letter and following a simple plan.
We’ll show you how business owners are reclaiming their time, their revenue, and their sanity — often with less than 5 minutes of action a week once the process starts.


This isn’t theory — it’s the law. Starting September 1, 2025, Texas HB-700 (HB 700) forces MCA lenders to disclose the real cost of financing and provide clear repayment terms. That means you may now have legal leverage to reduce payments, challenge violations, and finally protect your business cash flow.
Over 1,200 business owners have already fought back against MCA lenders with our help. You can too — with no upfront fees.

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Disclaimer: Debt Consultants Group does not provide loans or merchant cash advances. We provide educational resources.
Debt Consultants Group is not a lender and does not offer loans or credit cards. We provide educational resources and consulting services to help business owners better understand financing contracts and explore strategies for managing cash flow. This is for informational purposes only and should not be considered financial, investment, or legal advice. The content is based on research and experience and is intended to share general concepts and strategies. Individual circumstances vary, so you should consult a qualified financial advisor before making any financial decisions. We do not guarantee specific results, and all financial choices carry risk. Examples, figures, or scenarios provided may be illustrative or modified. The creators and distributors of this guide are not responsible for any losses or damages resulting from actions taken based on its contents.